NRT 2011
May 23-24, 2011
Manila
Session 9:
Responsible and Effective Sales, Marketing and Servicing of Microinsurance by Rural Banks
By Michael McCord
MicroInsurance Centre President
Juniper Bank was a direct bank based in Wilmington, Delaware. The bank focused on branded credit cards. History[edit]. The bank was founded in January 2000. It received financing from Benchmark Capital. In November 2000, the bank began offering insurance products. In September 2001, the Canadian Imperial
The global financial crisis in 2008 marked a starting point for a comprehensive rethinking of economic theories and policies, reinforcing the importance of implementing strategies for development as opposed to leaving the economy to market forces. In this context, this publication explores the nature and consequences of the crisis, as well as the diversity of economic and social development among developing countries, and looks at the reasons behind the recent improvement in developing countries' performances and its potential for continuation after the financial crisis.
Juniper Bank was a direct bank based in Wilmington, Delaware. The bank focused on branded credit cards. History[edit]. The bank was founded in January 2000. It received financing from Benchmark Capital. In November 2000, the bank began offering insurance products. In September 2001, the Canadian Imperial
The global financial crisis in 2008 marked a starting point for a comprehensive rethinking of economic theories and policies, reinforcing the importance of implementing strategies for development as opposed to leaving the economy to market forces. In this context, this publication explores the nature and consequences of the crisis, as well as the diversity of economic and social development among developing countries, and looks at the reasons behind the recent improvement in developing countries' performances and its potential for continuation after the financial crisis.
Dr. Ravi S Pandey-Resume for Assistant Professor/ Research Scientist in Bioch...Dr. Swami Gyan Prakash
Dear Member of Recruiter Committee,
I am writing this letter for a position of Assistant Professor/ Research Scientist in Biochemistry, Clinical-Biochemistry, Biotechnology and Molecular Biology. In brief, I am PhD in Medicinal Biochemistry and completed several successful projects as a Postdoctoral Scientist in different discipline of Biochemistry like Molecular Biology of Aging, Alternative splicing in human diseases, Epigenetic regulation in liver and breast cancer from India and USA. I came back to India in April 2010 and worked as a CSIR-Pool Scientist in the area of chromatin remodeling in breast cancer. My tenure has been completed recently. Thus, I am looking for a faculty position of Assistant Professor/ Research Scientist in Biochemistry, Clinical-Biochemistry, Biotechnology and Molecular Biology.
I am highly interested to trend the graduate students in Biochemistry, Biotechnology and Molecular Biology. Besides, I am very much motivated to lead projects in the area of Cancer Biology. Thus, I respectfully submit this letter of application, for I believe my experiences and commitment for teaching and research make me well qualified to meet the needs of Assistant Professor/ Research Scientist in Biochemistry, Clinical-Biochemistry, Biotechnology and Molecular Biology.
I am well acquainted with the molecular techniques associated with DNA, RNA and proteins research. Besides, I am expertise in planning and execution of experiments, mentoring PhD students, interpreting data, as well as writing and data preparation for manuscript publication. During my doctorate and post doctorate time, I taught graduate and postgraduate students on behalf of my mentors. I am well organized, goal oriented; self motivated research scientist and committed to train the student in area of Clinical Biochemistry and Molecular Biology along with lead research work in the area of Cancer Biology. I would appreciate for an interview opportunity to discuss about my background, qualification and expertise that may fit for the position.
On May 10, 2018, the Facility, in partnership with FSDA and AFD organized a webinar on "Putting client insights into practice". Though most insurers are collecting data about and from clients, they often struggle to put that information into practice in a way that makes sense for their business. During this webinar, we shared structures, processes and tricks of the trade that help successful companies to do so.
Presenters: Angela Madriz (BIMA Latin America), Osvaldo Gimenez (BIMA Paraguay), Saurabh Sharma (Britam Kenya) and Alice Merry (the ILO's Impact Insurance Facility). Moderator: Aparna Dalal (the ILO's Impact Insurance Facility).
My "ugly" slides from a keynote I delivered in NYC back in February 2018. My message has been consistent and more importantly correct for a long time now based on empirical data, industry expertise, and lots of consumer surveys.
Dr. Ravi S Pandey-Resume for Assistant Professor/ Research Scientist in Bioch...Dr. Swami Gyan Prakash
Dear Member of Recruiter Committee,
I am writing this letter for a position of Assistant Professor/ Research Scientist in Biochemistry, Clinical-Biochemistry, Biotechnology and Molecular Biology. In brief, I am PhD in Medicinal Biochemistry and completed several successful projects as a Postdoctoral Scientist in different discipline of Biochemistry like Molecular Biology of Aging, Alternative splicing in human diseases, Epigenetic regulation in liver and breast cancer from India and USA. I came back to India in April 2010 and worked as a CSIR-Pool Scientist in the area of chromatin remodeling in breast cancer. My tenure has been completed recently. Thus, I am looking for a faculty position of Assistant Professor/ Research Scientist in Biochemistry, Clinical-Biochemistry, Biotechnology and Molecular Biology.
I am highly interested to trend the graduate students in Biochemistry, Biotechnology and Molecular Biology. Besides, I am very much motivated to lead projects in the area of Cancer Biology. Thus, I respectfully submit this letter of application, for I believe my experiences and commitment for teaching and research make me well qualified to meet the needs of Assistant Professor/ Research Scientist in Biochemistry, Clinical-Biochemistry, Biotechnology and Molecular Biology.
I am well acquainted with the molecular techniques associated with DNA, RNA and proteins research. Besides, I am expertise in planning and execution of experiments, mentoring PhD students, interpreting data, as well as writing and data preparation for manuscript publication. During my doctorate and post doctorate time, I taught graduate and postgraduate students on behalf of my mentors. I am well organized, goal oriented; self motivated research scientist and committed to train the student in area of Clinical Biochemistry and Molecular Biology along with lead research work in the area of Cancer Biology. I would appreciate for an interview opportunity to discuss about my background, qualification and expertise that may fit for the position.
On May 10, 2018, the Facility, in partnership with FSDA and AFD organized a webinar on "Putting client insights into practice". Though most insurers are collecting data about and from clients, they often struggle to put that information into practice in a way that makes sense for their business. During this webinar, we shared structures, processes and tricks of the trade that help successful companies to do so.
Presenters: Angela Madriz (BIMA Latin America), Osvaldo Gimenez (BIMA Paraguay), Saurabh Sharma (Britam Kenya) and Alice Merry (the ILO's Impact Insurance Facility). Moderator: Aparna Dalal (the ILO's Impact Insurance Facility).
My "ugly" slides from a keynote I delivered in NYC back in February 2018. My message has been consistent and more importantly correct for a long time now based on empirical data, industry expertise, and lots of consumer surveys.
The burgeoning onshore wealth management industry has its own unique set of challenges and positioning but it is becoming increasingly attractive for banks with the rising wealth of Asian consumers.
Since many of these domestic banks are still in an investment mode, cost-to-income ratios in the industry are steadily increasing. Intensifying competition from domestic and foreign players over more careful and knowledgeable clients and the recent increase of regulatory requirements and administrative work present real challenges in scaling up.
Questions will thus arise - how can onshore wealth managers scale up their business effectively and efficiently without incurring the significant costs of their more mature peers? Which operational investment should be given priority within a finite budget – back-office, front-end, staffing or product manufacturing?
These issues and more will be discussed in the webinar on Scaling Up Your Wealth Management Business organized by Private Banker International and Sopra Banking Software based on research that has taken place around the region and globally.
A holistic and systematic approach to market development can overcome barriers to serving insurance to the low-income population. Collaboration between supervisors/regulators, industry players, policy makers, and donors is already showing positive results in some countries.
This joint webinar organized by the ILO's Microinsurance Innovation Facility, together with the Access to Insurance Initiative, discussed inclusive insurance market development. Ithighlighted activities by supervisors through the International Association of Insurance Supervisors (IAIS) and industry players. It took inspiration from achievements in Zambia and in the Philippines to consider potential strategies for enhancing inclusive insurance markets.
After at risk - implementing a save processTotango
From Customer Success Summit 2017 - Michael Connery, Director of Customer Success at BetterCloud, discusses "After at risk - implementing a save process".
Learn more about Customer Success Summit: http://customersuccesssummit.com
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how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
The European Unemployment Puzzle: implications from population agingGRAPE
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Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
NRT 2011: Responsible and Effective Sales, Marketing and Servicing of Microinsurance by Rural Banks
1. Session 7: Responsible and
Effective Sales, Marketing and
Servicing of Microinsurance by
Rural Banks
2011 RBAP-MABS National Roundtable
24 May 2011
Hyatt Hotel, Manila
Michael J. McCord
MicroInsurance Centre
2. Rural banks that do not yet offer microinsurance
Step 1 – Institutional Assessment
• Everyone does not have to do microinsurance
• Understand if you can manage the requirements
▫ Institutional mission
▫ Financial stability
▫ Human resources, marketing, IT, documentation
• Identify a product “champion” and product team
• Must have endorsement of MD / CEO and board
• Make sure you are ready – honestly!
3. Rural banks that do not yet offer microinsurance
Step 2 – Follow a product development process
• The process will help
you to improve
potential for
success and save
money and
reputation
• Do not skip steps
• Pilot test!
4. Rural banks that do not yet offer microinsurance
Step 3 – Search for the right partner
• Research microinsurance service of insurers
▫ Flexibility
▫ Microinsurance focus
▫ Proven record of good service
▫ Commitment to fast claims payment
▫ Commitment to SUAVE products
• Tender process
5. Rural banks that currently offer microinsurance
#1 – Represent your clients
• Act as “broker”
▫ Conflict of interest?
• Make sure your products are S.U.A.V.E.
• Make sure you have a clear understanding of
microinsurance value
• Success will only be achieved when you have a
win-win-win situation
• Use microinsurance as a benefit to clients
6. Rural banks that currently offer microinsurance
#2 – Manage relationship with insurer
• Memorandum of Association
• Regular meetings
• Clear roles
• Efficiency
▫ Operations
▫ Claims
7. Rural banks that currently offer microinsurance
#3 – Monitor performance
• Best way to ensure a quality product
• Appropriate key performance indicators
▫ Claims ratio
▫ Claims duration
▫ Market penetration
▫ Rejection rates
▫ Renewal rates
• Track your own costs of operations
• Track your marketing costs
8. The MicroInsurance Centre
8
“Developing partnerships to insure the world’s poor”
www.MicroInsuranceCentre.org
mjmccord@MicroInsuranceCentre.org